Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$34,685Cash toward the purchase price.
Closing costs + prepaids$13,418Not just lender fees.
Before credits & paid funds$48,103The complete starting cash picture.
Estimated remaining funds due at closing
$48,103No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,684.94
Your down payment$34,684.94
Closing costs + prepaids$13,418.47
Total buyer cash needed$48,103.41
Remaining funds due$48,103.41
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,799.99
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$576.00
Initial HOA (3 months)$426.99
Prepaid interest, first (12 days)$1,140.49
Fees + prepaids$13,418.47
Your down payment is the seller’s equity. You take over the $445,314 balance, so the rest of the $479,999 price is paid at closing. A second mortgage can cover part of it. $48,103.41 is due at closing. Uses and sources reconcile at $493,417.47 each. Not a Closing Disclosure.